From what you have written, your husband definitely is take advantages of you ... and acting like a selfish man (single man can also be very generous with money). I can only suggest talking to your husband, express your concerns ... but you already have I am sure. Guys grow up a lot slower than women ... we all know that ... I am still very immature in a lot of ways. Perhaps you should sit him down, and explain to him that only because you care about the future, so he must change his ways.